Hi Ila! NIce to see you here.
I see the point, Scott, about the line between informal and formal learning. I imagine it to be a little like setting aside time to meditate or to reflect. If you are constantly engaged in your practice and don't set time/space aside to come to the learning, then it probably isn't so likely to happen. The really good meditators aim to integrate being present with their meditative state in everything that they do, but in our busy world, it is a challenge.
I worked on a professional development project where the faculty from different colleges were given some released time from their teaching and administrative duties to participate. In their time together they kept journals and listened to what each other was doing and discussed their practice as part of what they did together. They said over and over that that was one of the most valuable aspects of their participation in the project - just to have time set apart as a "learning space" to reflect on what they were doing in class, talk it over with others, and then go back to the class and do the next thing.
So I think you are right that we not forget the fine line between informal and formal learning and also that we remember that it is important to remember to do it consciously.